topic Re: Tons of cards with no AA ever ? in Credit Cards

Tons of cards with no AA ever ?

woodyman100 — Fri, 08 May 2015 14:27:20 GMT

with all of the posts about AA lately, I'm wondering how many large portfolios have NEVER experienced AA.
By large portfolio, I mean more than 15 cards aquired in a 2-3 year span.
I'm actually surprised that hasn't happened to me.
I have been chastised by CSR's quite a bit lately for my available credit and open accounts.
Quite frankly I wouldn't care too much about AA unless it was Chase or Barclay.
Yeeeeeeaaaaahhhhhh.......uh huh......I know

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 14:42:29 GMT

17 in 8 months. No AA, Limits are slowly inching their way up.

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 15:00:23 GMT

I went from two credit cards to 11 in one month ($8.6k -> $85.5k CL). We'll see what happens.

Re: Tons of cards with no AA ever ?

dodgerslv — Fri, 08 May 2015 15:13:46 GMT

I have added 22 credit cards in the last 14 months, 2 PLOC, 1 Personal Loan and a second auto loan also and so far no AA.

Re: Tons of cards with no AA ever ?

jamesdwi — Fri, 08 May 2015 15:46:25 GMT

I have never been chastised by CSR's but then again I rarely call them except for chase but as a CSP card holder Customer service is always top notch.

Since entering prime ville, I haven't done more than 2-3 cards in a 6 month period, typically with in a day or two of each other, so they really can't tell that I have gotten another card recently.

no other AA, except after carying a balance too long (had a CLD from 7.5k to 6k CL, with AMEX in my first year.

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 15:17:30 GMT

I honestly think you spread them out and don't get too many cards with the same lender at the same time you'll be fine. I

Re: Tons of cards with no AA ever ?

wacdenney — Fri, 08 May 2015 15:22:18 GMT

No AA here.

Re: Tons of cards with no AA ever ?

dodgerslv — Fri, 08 May 2015 15:28:05 GMT

@wacdenney wrote:
No AA here.

well said my friend.

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 15:53:12 GMT

I have added 9 accounts with 7 HP's since February, so not a super large increase. However my limits have gone from around 6k total to just over 100k as of this morning. My Util is under 10%, with a couple cards at 30% for the 0% APR. No AA but I have seen a few CLI's, mostly from Discover. However I had very few HP's before this, and I had 49 accounts on my report (AAoA was just over 5 years) with only two 90 day lates from 6+ years ago on two student loans. Once I dropped my Util in December/January my scores were around 780, they hover from 750 to 780 or so now.

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 16:01:03 GMT

@woodyman100 wrote:
with all of the posts about AA lately, I'm wondering how many large portfolios have NEVER experienced AA.
By large portfolio, I mean more than 15 cards aquired in a 2-3 year span.
I'm actually surprised that hasn't happened to me.
I have been chastised by CSR's quite a bit lately for my available credit and open accounts.
Quite frankly I wouldn't care too much about AA unless it was Chase or Barclay.
Yeeeeeeaaaaahhhhhh.......uh huh......I know

I'm guessing you're having to talk to recon, hence the chastizing? I'd back off for a bit and let your current accounts age to make it more likely that your future cards will be instant approvals.

Re: Tons of cards with no AA ever ?

pizza1 — Fri, 08 May 2015 16:15:16 GMT

try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 16:20:09 GMT

@pizza1 wrote:
try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits

I think this just proves that every profile will bear different fruit. Some profiles may see AA when adding 3 new accounts in 6 months. Some, 30.

Re: Tons of cards with no AA ever ?

pizza1 — Fri, 08 May 2015 16:26:06 GMT

@Anonymous wrote:
@pizza1 wrote:
try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits
I think this just proves that every profile will bear different fruit. Some profiles may see AA when adding 3 new accounts in 6 months. Some, 30.

agreed...but Im done pushing the limits...Im actually exacuting my plan of closing some store cards over the next year. I actually sat down, and made a chart on which ones to close and when, lol.. 1 synch/1comm each time.

Now if C1 will agree in the future to combine limits, then there goes 4 right there, LOL!!

Re: Tons of cards with no AA ever ?

Anonymous — Fri, 08 May 2015 16:29:29 GMT

@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits
I think this just proves that every profile will bear different fruit. Some profiles may see AA when adding 3 new accounts in 6 months. Some, 30.
agreed...but Im done pushing the limits...Im actually exacuting my plan of closing some store cards over the next year. I actually sat down, and made a chart on which ones to close and when, lol.. 1 synch/1comm each time.

Now if C1 will agree in the future to combine limits, then there goes 4 right there, LOL!!

Honestly if I were you i'd combine your C1 limits to two cards and not 1 megalimit card. Once you break 700 I think you're safe keeping one megalimit card with them.

Re: Tons of cards with no AA ever ?

pizza1 — Fri, 08 May 2015 16:46:02 GMT

@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits
I think this just proves that every profile will bear different fruit. Some profiles may see AA when adding 3 new accounts in 6 months. Some, 30.
agreed...but Im done pushing the limits...Im actually exacuting my plan of closing some store cards over the next year. I actually sat down, and made a chart on which ones to close and when, lol.. 1 synch/1comm each time.

Now if C1 will agree in the future to combine limits, then there goes 4 right there, LOL!!
Honestly if I were you i'd combine your C1 limits to two cards and not 1 megalimit card. Once you break 700 I think you're safe keeping one megalimit card with them.

Thats funny you said that because I had thought about doing that. if I did, I would have 2 cards at $25k each, probably more appropriate for my credit profile.

Re: Tons of cards with no AA ever ?

wacdenney — Fri, 08 May 2015 16:51:54 GMT

@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits
I think this just proves that every profile will bear different fruit. Some profiles may see AA when adding 3 new accounts in 6 months. Some, 30.
agreed...but Im done pushing the limits...Im actually exacuting my plan of closing some store cards over the next year. I actually sat down, and made a chart on which ones to close and when, lol.. 1 synch/1comm each time.

Now if C1 will agree in the future to combine limits, then there goes 4 right there, LOL!!

Wait... what??? Pizza is CLOSING store cards??

Re: Tons of cards with no AA ever ?

pizza1 — Fri, 08 May 2015 16:56:29 GMT

@wacdenney wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
try 21 in 3 months, with no AA (knock on wood), that included Barclays, and all those cards after getting the SM from them. But I also keep 1% util reporting. Talking about pushing the limits
I think this just proves that every profile will bear different fruit. Some profiles may see AA when adding 3 new accounts in 6 months. Some, 30.
agreed...but Im done pushing the limits...Im actually exacuting my plan of closing some store cards over the next year. I actually sat down, and made a chart on which ones to close and when, lol.. 1 synch/1comm each time.

Now if C1 will agree in the future to combine limits, then there goes 4 right there, LOL!!
Wait... what??? Pizza is CLOSING store cards??

LOL...yea...only a few, like 10 over the next year. Sorry OP!!!

Re: Tons of cards with no AA ever ?

gdale6 — Fri, 08 May 2015 23:46:46 GMT

AA is preceeded by a perceived risk that is too great for the creditor considering it. If you keep your utilization low and dont make large out of character purchases running up debt it a short period of time there is no risk to the creditor and therefore no AA.

Re: Tons of cards with no AA ever ?

Ron1 — Fri, 08 May 2015 23:56:43 GMT

You are lucky. You didn't get AA.

Ron.

Re: Tons of cards with no AA ever ?

Anonymous — Sat, 09 May 2015 00:02:07 GMT

So until November 2014 I was totally ignorant to the CRA or anything about credit scoring and would love to know what my FICO was all these years. I had a CapOne maxed at $16,500 - AMEX at 14,500 and a closed Chase VISA with a $5k balance. I had a few misc cards and my total CL was about $40k. When I had a fortunate thing happen in my life that I suddenly could pay them off I closed all but the CapOne card AND voluntarily decreased my CL to $8k on the card (kick me now). Anyway I started reading about credit scoring and now completely hooked on this. I opened 14 new cards since January (two I never activated and closed right away) and 11 new cardssince April, with total CL of just over $80k. I keep my utilization no more than 2% and so far never been told I'm close to AA. The only rejection that I couldn't recon was a stupid gas card with First National Omaha. In the other recons that did work they were saying I had a lot of HP and needed to stop because I was making them nervous. So, if it hasn't happened to me yet, I think we're all pretty safe.